Home Insurance in Grayson, Oklahoma
Homes in Grayson carry a median value of $75,000 - 38% lower than the Okmulgee County median.
The typical home in Grayson was built around 1991. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 9% of homes were built before 1960, about 23 points below Okmulgee County's 32%.
In Grayson, the housing stock is 53% single-family homes and 47% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Grayson, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Grayson are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Grayson - 55% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Okmulgee County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Okmulgee County had 63 active NFIP flood policies as of September 2026. See the full Okmulgee County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).
Key figures
| Median home value | $75,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Okmulgee County | 63 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)